Re: Small Changes
However you do it, I think knowing exactly where your money is going can be very helpful. It gives you an awareness of how you spend, and that can be empowering.
Is there some way you can have money automatically put into a savings account? My credit union does this for teachers who only get ten paychecks a year. My paycheck would be deposited automatically, and then I specified the amount to be moved to my summer saver account, and on which date. This was money I never saw because it was moved before I could get to it. Can you do something similar? Many banks used to do Christmas Saving Clubs - do they still do those? Might be a way to discipline yourself to save some money, even if wasn't a big amount to start.
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